If you received an order email from us stating that your order was transactioned as "Fraud", it is probably because the information you submitted did not pass our strick fraud protection standards. Our in-house staff along with a company called Maxmind determine if your submitted order/info is possibly legit (or not). Your sale could still be legit but something array has tipped off our staff and/or the Maxmind scoring tests. If you feel your order was deemed as "Fraud" in error please contact us so we can open back up the order for further review. We may require more detailed information like bank contacts and phone numbers, a faxed or mailed copy (documents like front and back copies of your drivers license and the actual card itself). We may also require a signed release form for the sale, all these measures are to authenticate your sale as legit and is for your protection as much as it is for ours. Here's some fraud issues you may find of interest....

Stolen Card Fraud
When a card holder loses or has their credit card stolen, it is possible for the thief to make unauthorized purchases on that card up until the card is cancelled. Businesses that accept credit cards are not permitted to request supplemental ID from the cardholder, unless the credit card is not signed. A thief can potentially purchase thousands of dollars in merchandise or services before the card holder or the bank realize that the card is in the wrong hands. Self serve payment systems such as gas stations are also highly prone to accepting a stolen credit card, as there is no verification of the card holder's identity.

Credit Card Mail Order Fraud
Using a stolen credit card number, or computer generated card number, a thief will order merchandise from a website and have it shipped to a fake or forwarding address. The thief then takes the merchandise and disappears with it. When the real cardholder realized that they did not make the purchase, they call their credit card issuer and request a chargeback. The merchant then loses the money from the transaction, in addition to the merchandise that they do not recover. This is the most common type of credit card fraud.

Mail Non-Receipt Fraud
Mail non-receipt fraud occurs when a thief intercepts a replacement card sent to the legitimate cardholder and uses it. However, many banks increasingly send out inactive cards that cannot be used until the legitimate account holder confirms his or her identity to the bank using the person's Social Security number, home address, mother's maiden name, the number on the card and where the person got it.

Chargeback Fraud
Chargeback fraud occurs when a legitimate cardholder pays for a good or service, but then claims never to have authorized the transaction, or that the good or service was never received. This is also known as first-party fraud.

Skimming
Skimming is the theft of credit card information by a dishonest employee of a legitimate merchant, manually copying down numbers, or using a magnetic stripe reader on a pocket-sized electronic device. Common scenarios for skimming are restaurants or bars where the skimmer has possession of the victim's credit card out of their immediate view. The skimmer will typically use a small keypad to unobtrusively transcribe the 3 or 4 digit Card Security Code which is not present on the magnetic stripe. Cards in countries such as the UK are issued featuring a smart chip with public key encryption. The chip cannot be copied, but the card number, expiry date and security code can be, and this set of data is often sufficient to use the victim's credit card account for fraudulent purposes with so-called "card not present" transactions, i.e. over the telephone or Internet.

Carding
Carding is a term used by fraudsters for a process they use to verify that sets of stolen credit card data are still valid. The fraudster will present each set of credit card details in turn on a website that has real-time transaction processing, making a purchase for a very small monetary amount so as not to use up the card's credit limit, and so as not to attract the attention of a human reviewer to the transaction. Often, an online donation site for a charity is used instead of an eCommerce merchant, since there is no need to find an item of a suitable price to put in the virtual shopping cart, nor to supply shipping details. The carder may do this manually with a web browser, or may write automated software to interface to the website's checkout or billing forms.

In the past, carders used to use computer programs called "generators" to produce a sequence of credit card numbers, and then test them to see which were valid accounts. However, this process is no longer viable due to widespread requirement by Internet credit card processing systems for additional data such as the billing address, the 3 to 4 digit Card Security Code and/or the card's expiry date. Nowadays, carding is more typically used to verify credit card data obtained directly from the victims by Skimming or Phishing.

A set of credit card details that has been verified in this way is known in fraud circles as a phish. A carder will typically sell data files of phish to other individuals who will carry out the actual fraud. Market price for a phish ranges from US$1.00 to US$50.00 depending on the type of card, freshness of the data and credit status of the victim.